As a charity, charity business, or non-profit organisation, you understand how crucial it is to have a good influence in your neighbourhood and beyond. However, in order to continue doing so, you must shield your company from any potential risks or financial losses. This is where charity insurance comes in.

Charity insurance protects against a variety of unanticipated circumstances that could jeopardise your philanthropic business activity. Having the correct insurance policy in place can help protect your organisation from a variety of risks, including volunteer protection, stock damage, on-site accidents, and theft. The Charity Commission website provides additional information on charity insurance.

Which charity does Capital insure?
 

Capital has a dedicated charity team that specialises in a wide range of charitable activities. We include risk management advice, claims support, and continuing assistance as standard, ensuring you have the resources you need to deal with any possible concerns. Our specialist staff has extensive experience dealing with charities, charity shops, and non-profit organisations to ensure that all liabilities are addressed and insured for your specific operations.

Charities we can provide insurance covers for are (but not limited to):

• Grant-giving organisations (Online Charities)
• Community Development Trusts
• Charity Shops
• Men In Sheds
• Repair Café’s
• Village Halls
• Community Hubs.
• Animal charities

What cover is typically provided in a charity insurance policy?

Since many charitable groups are complex, we recommend speaking with one of our charity specialists to assess your specific needs. However, depending on your charity's style and activity, the following covers are typically used (but not limited to):
 

• Public Liability Insurance 
• Employers' Liability Insurance (Including cover for volunteers) 
• Trustee Indemnity Insurance 
• Property and Material Damage Cover 
• Business Interruption Insurance 
• Legal Expenses

Additional covers applied upon request include:

• Cyber Insurance 
• Money Insurance 
• Personal Accident Cover

Why Choose Capital Indemnity for your Charity Insurance?

Managing charity insurance can be complex. That’s why we offer an advanced insurance platform and a dashboard that provides a user-friendly interface to access all your policies, track claims, and review coverage details. Our centralised system streamlines the insurance management process, saving you time and effort.

Partner with Capital for expert insurance services, innovative risk management solutions, and a hassle-free insurance experience tailored to the unique needs of your charities processes, procedures, and activities.